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January 23rd, 2012
Actually, yes your insurance can pick it up if you and your boyfriend live together. My boyfriend crashed my car which was under my parents policy and b/c we lived together, his insurance picked up and covered the damages.
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January 23rd, 2012
Do you own a vehicle that is driven? If so you would want to have that vehicle insured. Otherwise, no, I see no reason to have auto insurance if you do not own a vehicle and NEVER drive.
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January 23rd, 2012
Leasing This is sort of an educated guess, but I believe the insurance would pay the dealer and not you. I simply say this because when leasing, you never own the car, you simply “rent” it for a definite amount of time.
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January 22nd, 2012
There is not a “standard rate” it depends on different factors. Some of the things that affect your rate are your age, how long you have been driving, what kind of car you will be rated on, credit, what state you live in & your driving record.
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January 22nd, 2012
“Allstate” is a shorthand name for a group of insurance companies. Therefore, you must first determine which of the various Allstate companies issued your policy. This will be shown on the Declarations Page of your policy, which contains a summery of the the coverages, the names of the insureds, etc.Assuming that you will base your suit on breach of contract, you will need to lay out specifically the background facts, what you feel that the company failed to do, and how you were damaged. Suits against insurance companies for policy benefits are typically complex, so hiring a lawyer is probably advisable.The insurance company will have to be served with the summons and complaint so as to give it actual knowledge of your suit and the chance to defend. The Insurance Code of the jurisdiction in which the suit will be brought (usually where the policy was delivered), will specify how service of process is to be made. In many States, service on an insurance company may only be made upon the Commissioner of Insurance (by whatever name called in that jurisdiction).
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January 22nd, 2012
%REPLIES% I don’t know, but, the GAP policy I had used the formula: Outstanding loan balance minus cash value as the beginning of it’s calculation. Then it went out to subtract refunds of extended warranties, etc.It really sounds like it is doing the same thing as “regular” insurance. I can’t see where it would pay out very often since cars depreciate so much and so quickly. Thanks for the reply, but that wasn’t my question. I was wondering how many people ever file claims against their GAP insurance; i.e. the percentage of GAP policies which ever have a claim made against them.
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January 22nd, 2012
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January 22nd, 2012
Rates vary by state and by location within a state. Factors that influence insurance rates also include the make and model of the car to be insured, the age, education and driving history of the primary driver, and the types and amounts of coverage desired. You can conduct a preliminary search on the internet, but your best bet would be to contact several local agents or brokers and compare rates for similar packages of coverages. Remember that insurance is protection, so cheapest is not always best.
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January 22nd, 2012
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January 21st, 2012
five (1 votes)
The NPHS influenza surveillance scheme, which records reports of diagnoses of flu from more than 300 GP practices across Wales, shows that the increase within the rate of influenza consultations has stalled over the last week. Further detail can be found on the NPHS website.
The report from 5 November estimates there had been 60.9 cases of a flu-like illness diagnosed by GPs out of every 100,000 people in Wales – this is the equivalent of 1,827 individuals in Wales contacting their GPs within the last seven days with flu like symptoms. Not all of these individuals will have swine flu and not everyone with flu like symptoms will contact their GP. It is expected that the proportion of influenza cases diagnosed which are due to swine flu will increase as the virus spreads in Wales.
The report also shows levels of influenza activity in each county of Wales. On five November, the rate of diagnosis of flu-like illness at a nearby level ranged from 25.4 per 100,000 folks in Monmouthshire to 120.three per 100,000 individuals in Pembrokeshire.
GPs are no longer being asked to swab people they suspect may possibly have swine flu. Microbiology laboratories are therefore no longer testing mostpeople suspected of having swine flu.
As at midday on 4 November, there have already been a total of 456 laboratory confirmed cases of swine flu in Wales because the start of the outbreak.
As at midday on 4 November, of the laboratory confirmed cases, a total of 251 had been admitted to hospital given that the start of the outbreak.
On 3 November, there were 75 clinically diagnosed patients in hospital in connection with swine flu, 16 of whom were in critical care.
On two November, the Welsh Assembly Government reported that it had been formally notified that eight men and women with swine flu in Wales have died. The Welsh Assembly Government is also aware of a swine flu-related death of a person from Wales abroad.
No further details will be confirmed or denied about cases in order to protect their right to confidentiality. The rates of GP consultations for flu-like illness across the UK, which are taken from various surveillance schemes and aren’t directly comparable, are:
59.0 cases of flu like illness diagnosed by GPs inside the previous seven days out of every 100,000 men and women in Wales (as of 1 November).
37.7 cases of flu like illness diagnosed by GPs inside the previous seven days out of every 100,000 men and women in England (for the week ending 31 October)
106.two cases of flu like illness diagnosed by GPs out of every 100,000 individuals in Scotland (for the week ending 2 November)
222 cases of flu like illness diagnosed by GPs out of every 100,000 men and women in Northern Ireland (for the week ending 30 October)
154 individuals inside the UK with swine flu have died – 8 in Wales, 105 in England, 31 in Scotland and 10 in Northern Ireland. The majority had underlying well being conditions.
For the latest international figures for the spread of swine flu, visit the website of the World Wellness Organization at http://www.who.int
Comment from the National Public Health Service for Wales
Dr Roland Salmon, Director of the Communicable Disease Surveillance Centre, National Public Health Service for Wales, said:
“The number of folks contacting their GP with flu symptoms has stalled. This might be due to the half-term break, similar to the impact seen over this year’s summer holidays. It really is too early to say whether or not this changing trend means that the rate of consultations for influenza has peaked.
“Not every person who has contacted their GP with flu like symptoms will have swine flu. It’s also true that not everyone with flu like symptoms will contact their GP.
“The vaccine against swine flu has been tested and approved. It really is now being offered to folks at most risk of complications from the virus as well as front line wellness and social care workers. Vaccination may be the most effective tool we have in preventing swine flu so I urge people identified as being at risk to look out for their invitation to be vaccinated by their GP surgery.
“People with flu like symptoms ought to check their symptoms on http://www.nhsdirect.wales.nhs.uk or by calling the Swine Flu Data Line on 0800 1 513 513.
“Most folks will get much better at home with rest, plenty of fluids, and medication such as paracetamol.
“Antiviral medications are available for individuals who are at particular risk from flu, or for individuals who turn out to be very ill.
“If symptoms worsen or individuals have underlying health problems they ought to call their GP. Men and women should not go to Accident and Emergency Departments, a pharmacy or to their GP surgery unless advised to do so as this may risk spreading the infection. It also places undue pressure on the emergency services.
“Over the last six months, the symptoms of swine flu have generally been like those of seasonal flu. Most people recover from the infection without needing to be admitted to hospital or to call a physician. However, a couple of individuals go on to develop complications and as the pandemic continues we are seeing deaths from swine flu in Wales, just as we do most years from seasonal flu.
“Sadly, the number of deaths in Wales has increased. However, the great majority of people make a full recovery. By following public health advice if they turn out to be ill, and taking up the swine flu vaccine now it truly is available to those in at-risk groups, folks can help avoid the spread of the virus and by exactly the same token help prevent death and critical disease.
“It is still critical that folks practice good respiratory and hand hygiene to reduce the chance of catching or spreading viruses.”
Public health advice and messages
If you have flu-like symptoms, stay at home. You can check your symptoms by calling the Swine Flu Information Line on 0800 1 513 513 or visiting http://www.nhsdirect.wales.nhs.uk. If you are still concerned, phone your GP. Do not go into your GP surgery or Accident and Emergency department unless you are advised to do so or are seriously ill, as you could spread the illness to others.
Further info including well being advice can be found at http://www.wales.gov.uk, www.nphs.wales.nhs.uk , http://www.nhsdirect.wales.nhs.ukand http://www.hpa.org.uk. You can also call the Swine Flu Information line on 0800 1 513 513 for recorded information, or NHS Direct Wales on 0845 46 47 for well being advice.
It is always excellent practice to follow respiratory and hand hygiene such as:
Covering your nose and mouth when coughing or sneezing, always carrying tissues, using a tissue when possible.
Disposing of dirty tissues promptly and carefully.
Maintaining good basic hygiene, for example washing hands frequently with soap and water to reduce the spread of the virus from your hands to face or to other men and women.
Cleaning hard surfaces (e.g. door handles) frequently using a normal cleaning product.
Helping your youngsters follow this advice.
Facemasks
Although we are aware that facemasks were being given out to the public in Mexico, the available scientific evidence does not support the general wearing of facemasks by people who aren’t ill whilst going about their normal activities. We are, however, reviewing NHS supplies and stockpiles of facemasks for healthcare workers who are likely to come into regular contact with people that may have symptoms. The UK will receive an additional 227 million surgical facemasks and 34 million respirators. Wales will receive its proportionate share.
Control measures
The European Medicines Agency has granted marketing authorisation to Celvapan (Baxter), Focetria (Novartis) and Pandemrix (GlaxoSmithKline) H1N1 swine flu vaccines.
The European Medicines Agency has strict processes in place for licensing pandemic vaccines. In preparing for a pandemic, appropriate trials to assess the safety along with the immune responses have been carried out on vaccines very similar to the swine flu vaccine.
Supplies of the vaccine have arrived in Wales as well as the vaccination programme has started to protect those at most risk of complications of the virus and front line well being and social care workers.
The four UK nations have accepted the advice of the Joint Committee on Vaccination and Immunisation on priority groups for swine flu vaccination:
People aged over six months and under 65 years in present seasonal flu vaccine clinical at-risk groups.
All pregnant women, subject to licensing conditions on trimesters Household contacts of folks with compromised immune systems e.g. men and women in regular close contact with patients on treatment for cancer.
People aged 65 and over inside the current seasonal flu vaccine clinical at-risk groups. This does not include otherwise healthy over 65s, because they appear to have some natural immunity to the virus.
Vaccination of frontline well being and social care workers began at exactly the same time as the initial at-risk group, and will continue for as long as necessary. This group is at increased risk of infection and of transmitting that infection to susceptible patients. Protecting these folks will help the NHS workforce to remain resilient and able to treat sick patients.
GPs are administering the vaccination programme following agreement between the Department of Well being, the devolved Administrations, the General Practitioners Committee and NHS employers.
Around 60 million doses of vaccine are expected by the end of the year – sufficient for 30 million folks to be vaccinated – with much more following after that.
The Foreign and Commonwealth Office has produced a webpage providing info for British citizens planning to attend the Hajj. The page is available here.
A leaflet providing advice for British Hajjis is available here.
Key advice included within the leaflet is that the elderly, pregnant females, individuals with chronic illnesses and children need to postpone the Hajj and Umrah pilgrimages this year due to the high likelihood of transmission of flu inside the course of the pilgrimage. Though wellness care facilities for the Hajj are generally of a high standard, due to the large number of pilgrims, it may be much less than would normally be expected inside the UK for people that are vulnerable to complications.
Features of the outbreak
Based on assessment of all available info and following numerous expert consultations, the World Health Organization (WHO) declared the level of influenza pandemic alert at phase six on 11 June 2009. Phase six indicates there is human-to-human spread of the virus in at least two countries in one World Wellness Organization region, with community level outbreaks in at least one other country in a various WHO region.
On two July the four UK nations agreed to move to the treatment phase in their response to the pandemic – treating people most at risk. Contact tracing and the use of antivirals preventively had been ended. GPs are providing clinical diagnosis of swine flu cases rather than awaiting laboratory test results.
Further health details for the public on swine flu is available bilingually from http://www.nhsdirect.wales.nhs.uk
Further public wellness info on swine flu and Pandemic Flu is available bilingually from http://www.nphs.wales.nhs.uk
Further information from the Welsh Assembly Government response is available bilingually at http://www.wales.gov.uk
Source
National Public Well being Service For Wales
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January 21st, 2012
Only if you added this person to your policy, otherwise he/she is not covered. Usually, the insurance agent will ask if there is anyone living in your household that would be driving your vehicle. At that point you can add this person to your policy or sign a waiver stating he/she will not be using your vehicle.
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January 21st, 2012
The Department of Transportion(DOT) does the auto licensing and you register your car through your local courthouse as well as your license plate.
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coffee
